Handyman Insurance
Do you need handyman insurance that goes that extra mile? Look no further than Howden.
Why choose Howden for Handyman Insurance?
We know how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different handyman insurance options, on your behalf, simple and straightforward.
Here at Howden, our team of insurance experts understand that each handyman insurance policy needs to be unique and tailored to each owner and their carpentry business. That’s why we provide personalised services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your handyman business insurance policy.
So, what are you waiting for? Whether you need to make a claim, purchase a new handyman insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
What is handyman insurance?
Handyman insurance does what it says on the tin – it financially protects handymen and their business in that event that something unfortunate happens, whether that be property damage, accidental injuries, lost tools or cases of negligence.
There’s no such thing as a ‘one size fits all’ handyman insurance policy, because we know how important it is that this form of business insurance is flexible and tailorable. Every business faces its own unique set of risks and challenges, so each policyholder needs coverage that is designed to specifically insure their operation, and that’s what handyman insurance can do.
Legal claims can be unexpected, surprising, and can come from anyone at any given time. Handyman insurance is designed to counter these claims, providing the financial protection you need to maintain stability for your handyman business.
What does handyman insurance cover?
There’re many eventualities that you and your business could encounter in terms of potential claims, but handyman insurance is there to keep you covered.
Imagine a customer of your business trips over some equipment that you’ve left out. Or what if your tools are stolen overnight from your parked van? Maybe there’s a scenario where an employee of yours suffers a serious injury as a result of working for you.
For handymen, these scenarios and many others which are similar, are common and can happen at any opportunity. Fortunately though, comprehensive handyman insurance can cover you for each of these instances, whether its public liability insurance, employers’ liability insurance or tools insurance as part of your policy, playing its role in ensuring that your coverage provides suitable, overall protection.
It’s important to remember though that every insurance provider is different, and their terms and conditions around what is and isn’t covered will vary. Once you recognise exactly what’s covered under a handyman insurance policy, you can then pick and choose which cover options are best to include within your overall policy, depending on which areas you believe your business needs cover most.
Handyman public liability insurance - how does it work?
For any handyman business doing property maintenance work, arguably the most important insurance they can get their hands on is public liability insurance. Although it is not a legal requirement, having public liability included in your policy is essential if you’re after comprehensive cover.
Handyman public liability insurance is a type of insurance that provides coverage for third-party claims related to property damage or bodily injury that may occur during the course of a handyman’s work. Legal fees generated from defending yourself and paying out compensation can rack up over time but fortunately, public liability cover is there to have your back, ensuring you don’t need to fork out from your own back pocket.
We’d also recommend to businesses that they keep detailed records of work activities, communication with clients and incidents to facilitate the claims process if the need arises.
What insurance does a handyman need?
If we had to recommend an absolute must-have insurance for handymen, we’d choose public liability insurance. Public liability cover is often the first product self-employed handymen and business owners look to get their hands on, purely because of the all-round protection it offers against claims from a member of the public or customers, in an industry that so people-orientated and client-facing.
However, there are other business insurance products that handymen can add to their policy too. Howden has a wide range of cover options available for handymen, and many of them you can view below and you can pick and choose which options you’d like to include as part of your overall insurance package.
Public Liability Insurance
Has your work caused an accidental injury or property damage? Protect yourself from third-party claims with public liability cover.
Employers’ Liability Insurance
If your business has employees, you’re legally required to have employers’ liability insurance in place.
Tools Insurance
Handyman work relies on your tools being protected, and tools insurance can cover you if they’re stolen, lost or damaged.
Personal Accident Insurance
The perfect insurance for anyone you’ve covered if they’re involved in an accident. Can also help cover medical costs.
Legal Expenses Insurance
Don’t let legal costs and fees financially disrupt your business thanks to legal expenses cover.
Van Insurance
Keep your handyman services on the road with the right business van cover.
Business Equipment Insurance
Protect your valuable business equipment if they’re stolen, lost or damaged.
Contractors All Risk Insurance
Get cover for the work you’ve done and the materials you’ve contributed to a project.
Still not sure exactly which insurance you need? Contact us today and a member of our specialist would be more than happy to discuss your options with you, before helping you find an handyman policy that ticks each of your boxes.
How much does handyman insurance cost?
Understandably, one of the most important considerations handyman have when buying insurance, is the price. Truthfully though, it’s tricky for us to determine exactly how much your policy premiums will cost you, especially before we’ve received any of the necessary information from you.
Not only is every policyholder different, which makes each premium unique, but every insurance provider is different as well, which makes it difficult for insurance brokers like Howden to make immediate premium estimations for clients.
However, we can tell which factors influence how insurance providers calculate premiums, such as:
- The types and level of cover you choose
- The amount of excess you’re willing to pay
- Whether you’ll pay for your policy upfront as a lump sum or in monthly instalments
- Where you or your business is located
- The risks you’ll face as a handyman
Contact us and we can find out right away how much your handyman insurance would cost you, based on the comparative research we conduct across our panel of selected insurers. Any client of ours can also opt to pay upfront or by direct debit through monthly instalments. It's your call.
Who do we also insure?
Not only can we help handymen, but we can also offer cover for a wide range of other tradesmen, such as:
- Bricklayers
- Builders
- Carpenters
- Car Valets
- Cleaners
- Contractors All-Risk
- Contractors
- Electricians
- Gardeners & Landscapers
- Gas Engineers
- Limited Companies
- Market Traders
- Mechanics
- Painters and Decorators
- Plumbers
- Roofers
- Sole Traders
- Subcontractors
- Tradesmen
- Tree Surgeons
- Window Cleaners
Related Articles
Want to learn more about insurance for handymen? Have a read of the articles below that you can find on the Howden Blog!
- All you need to know about the Public Liability Insurance Certificate
- What's the average employer's liability insurance cost?
- Which tools are the most stolen?
Handyman Insurance FAQs
Should a handyman be licensed and insured?
Yes, it is generally advisable for a handyman to be licensed and insured. Having the right insurance in place in place not only protects you, but it can protect any clients you have too.
As well as that, for clients, seeing that you have all the right insurance and qualifications behind you, it can boost their confidence in your service. It’s a professional look and can only better your business reputation.
Does Homeowners’ Insurance cover handymen?
Typically, a homeowner's insurance policy is designed to cover the homeowner's property and liability for injuries or property damage that may occur on the premises. It does not typically extend coverage to independent contractors, including handymen, who are hired by the homeowner to perform work.
If a handyman is working on a homeowner's property and causes damage or an injury, the homeowner's insurance may not automatically cover it. In such cases, the handyman should have their own insurance, particularly liability insurance, to cover potential risks associated with their work.
Do I need Professional Indemnity Insurance?
Professional indemnity cover is an incredibly valuable business insurance policy, but whether as a handyman, you need it will depend on the services you provide.
Professional indemnity insurance is designed to protect businesses from financial loss in case they are sued by a client for alleged mistakes, errors, or negligence in their work.
Before deciding whether to obtain Professional Indemnity Insurance, handymen should consider the nature and scale of their work, local regulations, contractual obligations, and individual risk tolerance.
Employers Liability Insurance
Liability cover that protects you, your employees, and your business.
It’s essential that you and your business are ready when the unexpected happens. Look no further than Howden’s employers’ liability insurance.
Public Liability Insurance
Public Liability Insurance you can trust
Look no further than an insurance broker for essential protection against third-party damage and injuries.
Professional Indemnity Insurance
Professional indemnity cover that backs your business
Sometimes things go wrong in business, and that’s normal, but you need reliable professional indemnity insurance to help soften the blow.